I'm not sure if anyone has posted on here but just a warning. I went to purchase an iPhone yesterday from CPW (Carphone Warehouse), I was told I couldn't buy the phone without purchasing the insurance for a minimum of 3 months. The insurance is basically 90 quid, 30 a month!
I'm sure this is illegal but a warning to all those going to buy an iPhone from CPW. As far as I'm aware the AppleStore and O2 stores don't force you to buy insurance.